Insurance Claim Help
How Roof Bros Helps With Your Claim
End-to-end claim support: with an approved claim, many homeowners pay only their deductible.
We inspect and photograph the damage, give you documentation for your carrier, meet the adjuster on site, and then do the approved work.
Your insurance carrier makes the final decision on coverage. We document the damage and the repair scope so everyone is working from the same facts.
Your Next Step
Get a Free Inspection or call (844) 314-7663.
The sections below explain building code upgrades, matching and the appraisal process in more detail.
Understanding Ordinance, Law & Building Code Upgrade Coverage
After a storm or property loss, repairing a home or commercial building often involves more than simply replacing what was damaged. In many cases, current building codes, municipal requirements, or updated installation standards can increase the scope and cost of repairs during the restoration process.
Ordinance & Law coverage (sometimes referred to as Building Code Upgrade Coverage) is generally intended to help address certain costs associated with bringing damaged property into compliance with applicable building requirements at the time repairs are performed. Common examples can include upgraded roofing components, ventilation requirements, flashing details, ice and water barrier installation, fastening standards, or other code-required improvements that may not have been part of the original construction.
Modern building codes and manufacturer installation specifications exist to improve structural integrity, weather resistance, occupant safety, and long-term performance. Proper code enforcement and compliant installation practices can play a significant role in reducing future storm damage and improving the resilience of homes and commercial structures.
However, coverage for code-related upgrades can vary significantly depending on the policy language, local jurisdiction requirements, age of the structure, and the specific facts of the loss. Certain requirements imposed by private HOA bylaws, architectural committees, or neighborhood covenants may also be evaluated differently than government-adopted building codes.
At Roof Bros Restoration, we help identify visible storm-related damage, document potential code-related considerations, and prepare detailed repair scopes designed to support the restoration process. Final coverage determinations, policy interpretation, and claim decisions remain the responsibility of the insurance carrier based on the applicable policy terms and governing regulations.
Understanding “Matching” in Insurance Claims
One of the most common disputes in property insurance claims involves “matching,” especially after hail or wind damage to roofing or siding. Many homeowners’ policies state that damaged materials will be repaired or replaced with materials of “like kind and quality” or “similar materials.” The challenge arises when the original products have been discontinued or weathered over time, making an exact match difficult or impossible.
For example, if only one slope of a roof or one section of siding is damaged, replacing only the affected area may leave the home with noticeable color or texture differences. In some states, insurance regulations require repairs to result in a “reasonably uniform appearance,” while in others, the outcome depends heavily on the policy language and the specific facts of the loss.
Matching concerns are most commonly associated with Replacement Cost Value (RCV) policies, which generally pay to replace damaged property without deducting for depreciation. In contrast, Actual Cash Value (ACV) policies typically account for depreciation and may provide more limited repair allowances.
Several courts across the country have addressed matching disputes involving discontinued shingles and siding. Some rulings have recognized that replacing only part of a roof or exterior may not restore the property’s prior appearance, while others have allowed partial repairs where a reasonably comparable appearance could still be achieved.
Because matching requirements vary by state, policy language, product availability, and local regulations, every claim should be evaluated individually. At Roof Bros Restoration, we help document storm-related damage, identify discontinued materials when applicable, and provide detailed repair scopes to assist homeowners throughout the restoration process.
This article is for informational purposes only and is not legal or insurance coverage advice.
Understanding the Insurance Appraisal Process
Many property insurance policies include an appraisal clause designed to help resolve disagreements over the amount of a covered loss. Appraisal is commonly used when the homeowner and insurance carrier agree that damage exists, but disagree on the scope of repairs or the value of the loss.
In most situations, appraisal becomes an option only after both sides have had a reasonable opportunity to inspect the property, exchange documentation, and evaluate the claim. Courts in multiple states have generally held that appraisal is intended for disputes involving the amount of loss, not broader coverage disputes or questions about whether damage is covered under the policy.
The appraisal process typically involves each party selecting an independent appraiser. Those appraisers then work to reach an agreement on the value of the loss. If they cannot agree, an impartial umpire may be selected to help resolve the differences. Depending on the circumstances, appraisal can sometimes provide a faster and more cost-effective alternative to prolonged disputes.
Appraisal is frequently discussed in larger or more complex property claims involving roofing systems, siding, commercial buildings, condominium associations, or storm-related damage where repair scope and pricing are heavily disputed.
At Roof Bros Restoration, we assist property owners by documenting storm damage, preparing detailed repair estimates, and providing supporting documentation that may help clarify the scope of necessary repairs during the claims process. Because every policy and claim situation is different, homeowners should consult directly with their insurance carrier or qualified professionals regarding questions about coverage, claim rights, or whether appraisal may apply to their specific situation.
We give you options.
You decide what works best for you.
Frequently Asked Questions
Yes. We work with all major carriers.
We inspect and photograph the damage, give you documentation for your carrier, meet the adjuster on site, and then do the approved work.
Your insurance carrier makes the final decision on coverage. We document the damage and the repair scope so everyone is working from the same facts.
No. For questions about your coverage or claim rights, talk to your carrier or a qualified professional.
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People love what we do
These guys are great. We have had a wonderful experience with Roof Bros Restoration! These guys did jobs all down our street, and throughout our neighborhood. We have lived here for 50+ years, and we have never experienced a storm like the one we had. Dan came right out and after the storm and helped my wife and I to get our insurance claim on file. We had so much damage. 12 broken windows and our siding looked like Swiss cheese. Dan jumped right into action putting tarps and temporary repairs up so things didn’t get worse. When the work was being done their crews went above and beyond and were very friendly. Dan and Ramonne did a total makeover on my home replacing my roof, gutters, garage door, all my siding, 12 windows, French doors, and got all my siding approved! Their siding crews went above and beyond replacing lights for me, and a ton of extra things. We would certainly use them again, and refer them to all our friends and family.
Had a wonderful experience with Roof Bros Restoration! Their attention to detail, and communication was outstanding. I was able to get my whole house done for a great price. Their roofing, siding, and gutter crews were great. I highly recommend using them!
Roof Bros Restoration proved to me to be professional, efficient, and very informative. They are courteous and easy to communicate with. Their crews are also courteous and knowledgeable and they get the job done. I recommend Roof Bros Restoration to anyone needing the services they provide.
Great service. Great experience. Went above and beyond to work with our insurance company to get everything covered/approved.
Roof Bros did an absolutely amazing job on my home. After storm damage I needed a new roof and siding. Dan made working with insurance a breeze. I highly recommend them for any of your roof and siding needs.
Dan is responsive, knowledgeable and organized. Ramonne is friendly and extremely knowledgeable. They answered all our questions promptly and kept us informed throughout the entire process providing excellent service at the right price. From start to finish, the process was smooth and efficient, thanks to their excellent communication and timely results. Our roof looks great too! When it comes to reliable contractors Roof Bros Restoration is a must!
They did a great job on my house. Dan was really polite and listen to me
Dan Knopp and Roof Brothers were exceptional in their customer service and interface with our insurance company. Their crew worked hard and were detailed and kept the job site clean. Roof Brothers completed our new roof, gutters, siding and other trims as a result of a hail claim. Their additional knowledge of insurance practices was a huge benefit as well as their ability to handle almost all our work under their general management. It looks fantastic and we couldn't be happier!
Worked with Jon to initiate the inspection process! Ramonne was very helpful walking me through the necessary steps for the insurance claim. Both gentlemen were very good communicators and their attention to detail was part of the reason I went with them! They have showed me previous completed jobs and I’m confident in their excellent workmanship to increase the property value of my home!
Good work , great communication throughout
Super professional from the very start. They do beautiful work using the best products. Our home owner insurance adjuster said he has never dealt with any company that was more professional than these guys. Carl Ward
Very happy with the work that was provided on our home after the Memorial Day hailstorm of 2024. Dan was great to work with and his teams he had come out were very hard working and efficient. Overall, smooth process dealing with Dan. Thanks for the great service.
Really enjoyed dealing with Dan and his crew. They were very professional and did an amazing job. I would highly recommend them.
We have never dealt with such a great company! They went out of their way to get the job done to perfection. We couldn’t be happier! Dan and Ramonne are great, they definitely know what they are doing and how to please their customers!
Great experience working with Dan and Rammone on our insurance replacement hail damaged roof. Prompt, courteous, professional. Roof looks great. Would not hesitate to recommend Roof Bros for any roofing work.
This company is awesome! Very impressed by how fast the job was done! Dan was most helpful and knowledgeable in the whole process from the free estimate to the insurance process to getting the job done! We are recommending his company to all our friends! We are forever grateful !!
Above and beyond on every level. Excellent customer service and care, flexible to our schedule. Met to review options and provided shingle samples for ease of choosing our selection, very easy process. Crew was also excellent. Efficient and caring of property, even went over grass area with magnets to ensure no nails present. Recommending to all our family, friends, and neighbors.
Highly recommend Roof Bros Restoration! Overall, they cared as much about my roof/house as I do. They have a great team that carries that same sentiment through job completion. They were more than pleasant and professional to work with and, dare I say, made the whole experience pleasant. Dan and Rammone will be my first call for any future issues or improvements at my house.
Love the way our new roof looks. Dan and his crew were wonderful to work with.
My sister recommended Roof Bros Restoration to me, and I’m so glad. She uses them for all of her rental properties. It’s a great feeling to know that my house has a roof on it now that was done well, and correctly. Roof bros knew exactly what was needed to get my roof up to code and in good condition. They ran interference for me with the insurance company, which was a HUGE help, keeping everyone in the loop and up-to-date as the project proceeded. Customer service is top-notch - Dan is easy to work with, always available by phone, and returns calls and texts immediately. They also cut me some slack on the price of the roof on my garage. I highly recommend Roof bros Restoration.
Dan was extremely professional, worked around our busy schedules for meeting times to go over estimates and perform walkthroughs. He walked us through exactly what to expect during every step of our insurance claim repair. His team did a great job on the physical repairs. Our garage roof looks as if it was never damaged!
We had a local company replace our roof in early 2022. That company did a poor job of properly installing our roof by code and covering all of our insurance requirements and replacements while also taking our money without completing some of the major roof requirements. Roof Bros came in, inspected, and helped us get everything taken care of and fixed as well as replacing our gutters, fascia, soffits, and gable vents! Communication was great and the install was exactly what we imagined and wanted for our vision board for our home! Very friendly people and they go by their word! They don’t screw you over and they truly care about their business, customer satisfaction, and performing a clean job! Some of our neighbors used Roof Bros for their homes as well and their homes look beautiful and I know my neighbors are happy as well! Highly recommend! 🙂
My roof is a very steep pitched and high structure with a great amount of detail. They did an excellent job with it in a three- four day restoration with great attention to detail. They're very knowledgeable and with a great crew that knows what to do!
Excellent roofing company! Highly recommended to get the job done right!
I had a roof leak out of the blue and Dan came out right away to put up a temporary repair. He then walked me through the entire insurance claims process and explained the breakdown of costs. I really appreciated how transparent he was! Very professional company and I’m happy with my new beautiful roof!
They were nothing but professional. Honest and upfront about everything and helped navigate the insurance company questions and the entire process. Very transparent as well which is a nice touch.
They are very knowledgeable and professional. Good attention to details.
Always on time, and very courteous! Very helpful, understanding, and thorough.
These guys were fantastic and showed so much empathy to us first time homeowners! Our first storm was horrible and they walked us through everything we needed to know to get things taken care of quickly. Much appreciated!!
Roof Bros Restoration did a very professional and spot on job recently on our roof! We highly recommend them!
Amazing service! Professionally managed! Always willing to help people in need after big storms!!! Definitely check them out for all your roofing needs 😊
A true professional and a pleasure to deal with. I highly recommend Roof Bros Restoration for any and every roofing and gutter project. You'll be happy you did!
All around great experience every time. Would definitely recommend 10/10!
Roof Bros Restoration gave us a new roof recently and we couldn’t be more impressed with their professional services. Would recommend them for any type of home restoration needed.
If you need the job done right the first time, these are your guys!!
Had such a great experience with this company from start to finish. The entire process was so simple and everyone was very professional through out everything. Would 10/10 recommend this company for any and all roofing repairs.
Roof Bros did a great job on our roof this past month. They were very accurate and got everything covered by our insurance company too. We highly recommend them and give them five stars! ⭐️⭐️⭐️⭐️⭐️
They are reliable and trust worthy which is huge for me in todays market and a side from that the price of the job wasn't overwhelming not to motion they are very knowledgeable about their job
Didn’t take long at all … Great Job
